Overdraft Protection

Protecting your finances

In addition to offering financial services that help you save money, RBFCU provides options to protect your accounts and transactions.

Dollar sign next to check mark


For each Courtesy Pay transaction, members are assessed a non-refundable fee of $24, nearly $10 below the national average of $33. The reasonable cost for our Courtesy Pay program gives you an option when you need to make an emergency purchase.

How do I enroll in Courtesy Pay?

Sign in to your Online Banking account, click on the Profile icon, select “Profile Settings,” then click on “Member Services” and follow the self-service directions.

You can also ask a member service representative by phone or at your nearest branch.

Enroll in Courtesy Pay

Due to regulatory requirements, Courtesy Pay is only available on debit card transactions to members who "opt in" as an overdraft option. We pay all checks and debits on your checking account in order of arrival sequence throughout the day. For more information, read “What You Need to Know About Overdraft Protection.”


More FAQs


  • How much am I spending? How much am I spending?
  • What is it worth to reduce my spending? What is it worth to reduce my spending?